The Croghan Colonial Bank in Fremont, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Croghan Colonial Bank - Overview

  • General
  • FDIC Certificate #: 13341
    Status: Active
    Federal Reserve ID: 362717
    Bank Holding Company (Regulatory Top Holder): Croghan Bancshares, Inc. (RSSDID: 1071726, Location: Fremont, OH)
    Date Established: July 25, 1888
    WWW: http://www.croghan.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 11371
    FDIC's unique #: 8416
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 17, 2011
    Last Structure Change Process Date: January 05, 2012
    Last Data Update: January 05, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 323 Croghan Street, Fremont, OH 43420
    County: Sandusky
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Fremont, OH (#23380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $628.6 mil
    Equity capital: $68.5 mil
    Deposits held in domestic offices: $501.9 mil
    Return on assets (ROA): 0.93% ($5.8 mil)
    Quarterly return on assets: 0.70% ($4.4 mil)
    Return on Equity (ROE): 8.60% ($5.8 mil)
    Quarterly return on equity: 6.32% ($4.3 mil)
    Net income: $4.9 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.17% ($7,354.4 mil)
    Quarterly Pretax return on assets: 0.82% ($5,154.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 171Total employees (full-time equivalent)
  • $628,580Total assets
  • $60,094Cash and due from depository institutions
  • $38,306Interest-bearing balances
  • $224,932Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $297,187Net loans & leases
  • $4,778Loan loss allowance
  • $0Trading account assets
  • $8,213Bank premises and fixed assets
  • $1,878Other real estate owned
  • $16,143Goodwill and other intangibles
  • $628,580Life insurance assets
  • $20,133All other assets
  • $560,101Total liabilities and capital
  • $501,867Total liabilities
  • $424,781Total deposits
  • $501,867Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 40861.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,500Trading liabilities
  • $0Other borrowed funds
  • $4,873Subordinated debt
  • $68,479All other liabilities
  • $68,479Total equity capital
  • $68,479Total bank equity capital
  • $0Perpetual preferred stock
  • $2,003Common stock
  • $46,253Surplus
  • $20,223Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,343Income earned, not collected on loans
  • $34Earning assets
  • $2,485Long-term assets (5+ years)
  • $560,425Average Assets, year-to-date
  • $281,403Average Assets, quarterly
  • $523,381Volatile liabilities
  • $564,720Insider loans
  • $352,087FHLB advances
  • $503,741Loans and leases held for sale
  • $10,766Unused loan commitments
  • $4,966Tier 1 (core) risk-based capital
  • $48,122Tier 2 risk-based capital
  • $5,800Total risk weighted assets
  • $0Total unused commitments
  • $75,581Restructured Loans and leases
  • $1,762Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,623Total interest income
  • $3,533Total interest expense
  • $18,090Net interest income
  • $775Provision for loan and lease losses
  • $3,679Total noninterest income
  • $1,076Fiduciary activities
  • $1,445Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,158Additional noninterest income
  • $14,643Total noninterest expense
  • $8,384Salaries and employee benefits
  • $1,947Premises and equipment expense
  • $4,312Additional noninterest expense
  • $6,351Pre-tax net operating income
  • -$246Securities gains (losses)
  • $1,250Applicable income taxes
  • $4,855Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,855Net income attributable to bank
  • $0Net charge-offs
  • $4,855Cash dividends
  • $953Sale, conversion, retirement of capital stock, net
  • $2,317Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 8.60%Return on equity (ROE)
  • 4.50%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 81.32%Credit loss provision to net charge-offs
  • 7.48%Efficiency ratio
  • 66,999Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.72%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 89.43%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 1.77%Net loans and leases to deposits
  • 59.22%Net loans and leases to core deposits
  • 60.86%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 9.55%Tier 1 risk-based capital ratio
  • 13.67%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $523,381Average earning assets
  • $56,432Average equity
  • $469,336Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $146,433Managed Assets
  • 1Number of Accounts
  • $118,164Personal trust and agency accounts
  • $25,183Employee benefit-defined contribution accounts
  • $2,452Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $34,749Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $45,399Other fiduciary accounts
  • $10,381Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 505Number of Accounts
  • $0Personal trust and agency accounts
  • $34,749Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $28,269Other retirement accounts
  • $2,189Corporate trust and agency accounts
  • $26,045Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 14 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08416The Croghan Colonial Bank323 Croghan Street, Fremont, OH 43420July 25, 1888Full Service Brick and Mortar
    1229474Fremont West Banking Center Branch2001 West State Street, Fremont, OH 43420March 12, 1956Full Service Brick and Mortar
    2229475Fremont East Banking Center Branch1315 East State Street, Fremont, OH 43420October 13, 1956Full Service Brick and Mortar
    3229476Green Springs Banking Center Branch200 North Broadway, Green Springs, OH 44836July 01, 1959Full Service Brick and Mortar
    6229479Ballville Banking Center Branch1600 River Street, Fremont, OH 43420December 18, 1978Full Service Brick and Mortar
    7469Bellevue Banking CenterOne Union Square, Bellevue, OH 44811January 01, 1889Full Service Brick and Mortar
    81367Monroeville Banking Center11 Monroe Street, Monroeville, OH 44847November 26, 1904Full Service Brick and Mortar
    9184975Clyde Banking Center100 North Main Street, Clyde, OH 43410June 03, 1974Full Service Brick and Mortar
    11364254Port Clinton Banking Center3994 East Harbor Road, Port Clinton, OH 43452June 24, 2002Full Service Retail
    124052Custar Banking Center Branch22973 Defiance Pike, Custar, OH 43511May 14, 1914Full Service Brick and Mortar
    13441773Norwalk Banking Center60 Whittlesey Avenue, Norwalk, OH 44857June 21, 2005Full Service Brick and Mortar
    14272429Tiffin East Branch48 E Market Street, Tiffin, OH 44883January 01, 1889Full Service Brick and Mortar
    15431536Tiffin West Branch796 W. Market Street, Tiffin, OH 44883July 01, 2001Full Service Brick and Mortar
    16444337Fremont Branch910 Sean Drive, Fremont, OH 43420August 22, 2005Full Service Brick and Mortar

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